We understand what makes you tick. Come see what sets us apart from the rest.


Lending Solutions

We make borrowing easy.
We provide smart choices with competitive rates, flexible terms, and efficient service. Loans are processed for existing members or eligible members of Pacific Crest Federal Credit Union. Receive rate discounts for direct deposit or payroll deduction.

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Vehicle Loans

  • New or used vehicles.
  • 100% financing available.
  • Pre-approval gives you buying power.


Credit Cards

Purchase Power.
Pacific Crest is here to give you the credit you deserve. Our selection of low-rate Visa® credit cards gives you the purchasing power and convenience you need - at millions of locations around the globe. Whatever card you choose, our Pacific Crest credit cards are backed by the reliability and security of Visa®. You won't be liable for fraudulent purchases in the event that your card is lost or stolen.

Platinum Visa®

Classic Visa®

Secure Visa®

  • Credit limits up to $25,000.
  • No annual fee.
  • $500,000 Common Carrier Travel Coverage.
  • Low annual fee.
  • $250,000 Common Carrier Travel Coverage.
  • Lets you establish or re-establish credit.
  • Credit limits secured by 100% of funds in share account, up to $5,000.
  • Low annual fee.
  • $250,000 Common Carrier Travel Coverage.


Real Estate Loans

The real estate loans at Pacific Crest Federal Credit Union offer outstanding flexibility combined with competitive rates, for a payment that fits your life perfectly. Because loan interest rates may be tax deductible**, real estate loans are a smart borrowing choice. NMLS #412720

  • Competitive rates
  • Conventional First Mortgages
  • Home Refinancing
  • Non-owner occupied, owner occupied, 1-4 units, vacation or second
  • Manufactured Home 
  • Free pre-qualifications
Please speak to a member service representative about restrictive qualifications and boundaries that apply to all mortgage loan products. ** Consult your tax advisor.


Secured Loans 

  • Extra-low loan rate.
  • Money or Certificate borrowed against continues to earn dividends.
  • Guaranteed approval.


Quick Loan

  • The Quick Loan is a short term loan designed to help our members build credit or fund an emergency.
  • It is a $500 loan that can be paid back within 4 months or 8 semi-monthly payments.
  • This loan requires a Quick Savings Account.
  • When you make your loan payment, an additional $20 per month is required to be deposited into the Quick Savings Account.


Citizenship Loan

  • The Citizenship Loan is for members wanting to complete their citizenship paperwork.
  • This loan is designed to provide $1000 per person up to $4000 for a family of four.